AGENT SERVICES

Experienced capacity around the workflows that need it

Some carriers need a partner to run the whole administration operation. Others just need experienced hands on specific workflows. Agent Services adds insurance-experienced professionals, licensed where the work calls for it, and proven workflows to your team, working inside the scope and controls you set, without a full administration transfer.

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Define the operating boundary first

The evaluation can start with the work the carrier wants to transfer and the control it wants to keep.

What stays with the carrier
Which responsibilities stay with the carrier?
What moves to the partner
Which move to the partner?
Who owns the outcome
Who owns decisions, exceptions, controls, and customer outcomes?

TARGETED OPERATIONAL SUPPORT

Agent Services

Insurance-experienced professionals, licensed where the work calls for it, and proven workflows that extend the carrier or distributor team without a full administration transfer. Scope, controls, and service levels are set in the engagement.

New business and case processing
Underwriting case support
Commission processing, reconciliation, and administrative support, based on the agreed service scope
Policy servicing and policyholder support within agreed carrier-authorized workflows, scripts, and controls
Scalable operational support and service-level reporting based on the agreed engagement

Talk to Zinnia about Agent Services

Where operating models differ

The differentiators are in the operating model around the work, not in the ability to process a transaction.

Scope and accountability

Define which lifecycle activities move, which stay, and who owns decisions, exceptions, controls, and customer outcomes. The carrier remains the insurer of record; any activity that requires licensure is performed only by appropriately licensed personnel, and Zinnia’s people do not solicit, recommend, or make carrier decisions unless that is expressly part of the agreed service.

Technology and integration model

Map applications, policy data, documents, payments, finance, portals, distribution systems, and third-party services into the operating model.

Financial and operational control

Define which financial and operational controls are in scope, including applicable reconciliation, payment controls, GL support, exception handling, audit evidence, quality controls, and escalation paths.

Visibility into the supported work

Look for workflow-level service reporting, aging work, exceptions, escalations, agreed performance measures, and governance that keeps the carrier informed without forcing it back into transaction management.

TPA Services

End-to-end administration and operational support for carriers that want Zinnia to take on a broader operating role.

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Order Entry & eApp

Feed new business into the operating model.

Explore order entry and eApp

Policy Administration

Provide the system-of-record context the supported work runs against.

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Policy Servicing & Self-Service

Cover the digital in-force experience alongside the supported workflows.

Explore in-force servicing

Agency & Distribution Management

Insights

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August 21, 2025

Scaling Insurance Through Ecosystem-Driven Platforms

The insurance industry stands at a critical inflection point. After decades of incremental change, we're witnessing a fundamental shift toward ecosystem-driven platforms built on strategic partnerships.

The Insurance Time Machine

Imagine you're an archaeologist in the year 2050, excavating the ruins of today's insurance industry. A fascinating story emerges about the distribution models that thrived and those that faltered.

Navigate the Future of Insurance

In today’s rapidly evolving insurance landscape, digital transformation isn’t merely an option—it’s the difference between market leadership and obsolescence. As..

Podcasts

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S1E16 · 30:35

The Value Is in the Conversation

Tina Beckwith, CMO of LIMRA and LOMA, debriefs the inaugural Best Minds Retirement Symposium and explains why the industry can only fix the annuity perception problem together. She unpacks a counterintuitive discovery — that AI is scraping the industry's own myth-busting content and surfacing the myths as fact — makes the case for plain language over jargon, and argues annuity awareness should be always-on, not a single month.

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S1E14 · 51:17

Made by Distribution, for Distribution — How AmeriLife's Actuary Builds Products That Actually Sell

Ryan Hinchey has one of the more unique résumés in the annuity business: actuary, Amsterdam expat, Silicon Valley insurtech veteran, and now SVP of Product Innovation at AmeriLife — one of the country's largest distributors of annuity, life, and health products. In this episode, Ryan walks through the three models AmeriLife uses to partner with carriers on product development — exclusive, leverage, and proprietary — and why the best ideas increasingly come from the IMO level, not the home office.